Conversational channels have moved from novelty to standard in LATAM banking. Delto enables them with 300+ preconfigured banking skills and 6 ready-to-deploy agents from day one, built on a Skills, Collections, and Actions architecture. Conversation replaces the menu: 80% of users rely on just a few functions.
Banking is undergoing a deep transformation. Driven by artificial intelligence (AI) and user demand for simple, secure, and accessible experiences, conversational channels are no longer a novelty: they are becoming the new standard. Why are conversational channels setting the direction? People want to handle their banking needs fast, without friction, and from their favorite channels. Conversational AI makes it possible to offer: 24/7 service from WhatsApp, mobile apps, or web channels. Personalized operations in real time , such as balance inquiries, transfers, or card blocking. Automated interactions with continuous learning, which improves the customer experience with every use. Conversational technology does more than improve service: it turns it into a more intuitive, faster, and more secure experience. Simple wins: a UX designed for people 80% of banking users rely on only a few features. What they expect is: Fast, clear answers. No complex menus. No extra apps to download. Nothing new to learn. Conversation is the most natural interface, and that is why it works. Digital onboarding: faster and more secure One of the biggest challenges in banking is achieving an onboarding process that is: Agile. Secure. Compliant with regulation. With AI-based biometric verification and OCR technologies, you can validate a new customer's identity in seconds, reducing fraud without compromising the experience. Start from scratch or build on what already works? Developing a conversational channel from scratch can take months. In that process, teams tend to: Assume needs. Test and adjust constantly. Lose valuable time on basic features. At Delto we solve this with more than 300 predefined banking skills , tested and ready to use, so your bank can deliver a robust experience from day one. Our solution: preconfigured conversational agents At Delto we design intelligent agents that adapt their responses to the user's context and use the skills needed to deliver a high-level experience. Meet them: Guest Agent New customer acquisition with 100% digital, guided onboarding. Personal Banking Agent Everyday transactions: users' preferred channel for their day-to-day banking. Customer Support Agent Automates requests such as reports, data updates, or limit increases. Collections Agent Proactive, efficient collections management for early-stage delinquency. Corporate Banking Agent Extends conversational banking to the corporate segment. Internal Support Agent An assistant for employees, available for queries and internal support. Advantages of choosing Delto as your conversational channels partner Immediate deployment : More than 300 skills ready to activate, with no development from scratch. Natural language : A fluid experience across channels like WhatsApp, Web Banking, and apps. Security and compliance : Regulatory compliance and data protection by design. Operational efficiency : Lower costs and turnaround times thanks to intelligent automation. How do we see the future of banking channels? The interface is no longer a menu: it is a conversation. We believe in AI-first , user-centered banking, where each person can build their own banking experience. No complex screens, no confusing settings: just conversation and results. Thanks to our architecture based on: Skills (preconfigured functions), Collections (user data), and Actions (authorized secure actions), your bank can deliver flexible, personalized, and highly secure experiences . In summary Conversational banking is not a trend: it is the new norm. At Delto we help banks make this leap with a solution that is ready to scale, secure, and user-centered. Ready to transform your digital channel? Join the AI-first standard with Delto.
What are conversational channels in banking? They are interfaces where customers handle banking operations through natural-language conversation on WhatsApp, web, or app: checking balances, transferring funds, or blocking cards, with 24/7 service and AI that learns with every use. Conversation replaces the traditional menu.
How long does it take a bank to launch a conversational channel with Delto? Building one from scratch can take months. Delto accelerates it with 300+ tested, preconfigured banking skills plus 6 ready-to-activate agents, so the bank delivers a robust experience from day one.
How does Delto handle security and compliance? With compliance and data protection by design. Onboarding uses AI-based biometric verification and OCR to validate identity in seconds, and the Skills, Collections, and Actions architecture executes only authorized, secure actions.